Threat of 'summons'
Complaint
EricaG
Country: United States
So last week/early this week I got some blocked calls. One of them was on June 8th and a voicemail was left, no agency name was left but the call was threatening me with a lawsuit and how I was in trouble and the call ended with a great line, "you've been served".
Ha ha ha
So today I get a call from Quan Paine. He wanted me to confirm info he had and I refused. He said that they were working on behalf of mycashnow and I had not responded to anything and that I was being summoned to court.
After I told him he couldn't legally serve me court documents over the phone he said they'd be mailed. He wanted to know if I was refusing to settle the case. I told him I had no proof or documentation or anything of this "loan" and that I knew it wasn't on my credit report. I use Lexington law to monitor my credit reports and dispute any fraud charges for me.
Anyway, they "emailed" me a notice of assignment with today's date that the loan had been purchased by CRSCraig. They made sure to reference 559.715 (Florida regulations) for debtor assignment. They said I could dispute and they would validate. I sent them a little note back asking for the original date of assignment, to dispute the loan, blah blah and that I thought they were fraudulent :)
Then I got a call from a number in Buffalo new york for Teresa Paine "the manager" in the Florida office. She is more than happy to talk to me.
So, anyone else working with these folks?
Ha ha ha
So today I get a call from Quan Paine. He wanted me to confirm info he had and I refused. He said that they were working on behalf of mycashnow and I had not responded to anything and that I was being summoned to court.
After I told him he couldn't legally serve me court documents over the phone he said they'd be mailed. He wanted to know if I was refusing to settle the case. I told him I had no proof or documentation or anything of this "loan" and that I knew it wasn't on my credit report. I use Lexington law to monitor my credit reports and dispute any fraud charges for me.
Anyway, they "emailed" me a notice of assignment with today's date that the loan had been purchased by CRSCraig. They made sure to reference 559.715 (Florida regulations) for debtor assignment. They said I could dispute and they would validate. I sent them a little note back asking for the original date of assignment, to dispute the loan, blah blah and that I thought they were fraudulent :)
Then I got a call from a number in Buffalo new york for Teresa Paine "the manager" in the Florida office. She is more than happy to talk to me.
So, anyone else working with these folks?
Comments
https://complaintwire.org/complaint/xKoBAAAAAAA/thurston-and-associates/14
"Serving" by phone is nonsense, generally associated with fraudulent collectors playing the fake "process server" game.
Telling you that you have been "sued" yet not actually serving any summons is consistent with this type of con. The most aggressive of these cons allege som "payday loan", imply a "lawsuit" or "prosecution for fraud", and routinely claim :you are in trouble", and "you have been ignoring" letters they have never sent. Typically they falsely claim they sent the FDCPA "g" letter, maybe "45 days ago", to deceive consumers into believing they can't dispute.
Referring to a "loan" that you know nothing about, emailing you some "assignment", and referring to some "Florida regulations" to sound all "official" and "legal", are all focussed on deceiving unsophisticated consumers into believing these are some "proof" of this "debt", when in reality, they prove nothing at all.
All of the above is aimed at threatening and deceiving consumers into paying a "settlement" without any proof of any actual "debt", and are intentionally crafted to work even when they reach people who owe them nothing by "mistake", if there is even any actual "debt" that someone owes.
They are taking numerous separate steps to threaten you with this "lawsuit", yet amazingly each fails as proof of anything SAYING they will supposedly "validate" if you dispute says they expect you to dispute, but are trying to evade your FDPCA right to dispute. Just saying the will "validate" it is no proof they can or will do ANYTHING AT ALL, but it probably fools a lot of people.
Thanks for the fine example of "weazel word" language. You have more separate indicators of attempting to deceive, bluff, and con than I have seen in a single scam complaint in a long time. Every threat is undermined by its own lie, which is really stupid when you are trying to con someone. These jerks are really incompetent amateurs at this. (I won't go into how the more competent players of this con operate.)
The Buffalo connection is interesting. Presumably, 716 area code?
Buffalo appears to be a major center for fraudulent debt collection, as well as the brokering of "portfolios" of old or unowed "accounts" use as cover for these scams. That suggests that either the Florida connection is a mail drop, or some minimum wage strip-mall debt collection call center with an ownership connection to Buffalo. The "closer" level pressure came from Buffalo, not Florida.
They appear to be operating out of the same building as the Florida AG's Economic Crimes Division Tampa office. Why don't you contact the Florida Attorney General, to find out if they are licensed in Florida, as well as to report any violations of FDCPA? In fact, why don't you contact the Tampa office, and let them know who their neighbors are?
https://complaintwire.org/complaint/FmysLdb4P ... -recovery-group
http://www.usa.gov/directory/stateconsumer/florida.shtml
Tampa Branch- Office of the Attorney General
Economic Crimes Division
Concourse Center 4
3507 E. Frontage Rd., Suite 325
Tampa, FL 33607-1795
Phone Number: 813-287-7950